BOB Easy Credit Card Review – Are you looking for a credit card that offers a wide range of benefits and features? The Bank of Baroda Easy Credit Card is the perfect choice for you. This card offers a host of benefits such as cashback, reward points, low-interest rates, and more.

With this card, you can enjoy a convenient and secure shopping experience. With its easy application process and flexible repayment options, the Bank of Baroda Easy Credit Card is the perfect way to manage your finances. Get all the answers you need about this card and find out how it can help you make the most of your money.

Table of Content

BOB Easy Credit Card Key Factors

Key Highlights	Details
Rewards Program	– Earn 5 rewards for every Rs. 100 spent on Departmental stores, Movie spends – Earn 1 reward point for every Rs. 100 spent on the card
Welcome Bonus	Spend Rs. 6,000 on your card within the first 60 days of the card setup date for first-year fee reversal
Dining Benefits	Get up to 10% discount on dining at select partner restaurants
Fuel Benefits	Get 1% cashback on fuel purchases, up to a maximum of Rs. 250 per billing cycle
Insurance Benefits	Get coverage for accidental death and hospitalization expenses
Annual Fee	Rs. 500 (waived if annual spending exceeds Rs. 35,000)
Interest Rate	2.99% per month (35.88% per annum)
Late Payment Fee	Rs. 100-750, depending on the outstanding balance

What Are The BOB Easy Credit Card Offers And Benefits

The Bank of Baroda Easy Credit Card is a convenient and reliable way to make purchases and access cash. It is designed to help customers manage their finances more effectively, while also providing them with a wide range of benefits and rewards.

The Bank of Baroda Easy Credit Card offers customers a range of features and benefits. It has a low-interest rate, a generous credit limit, and no annual fee. Customers can also take advantage of cashback rewards, discounts, and other special offers. The card also provides customers with access to a range of services, such as balance transfers, cash advances, and emergency cash.

The Bank of Baroda Easy Credit Card also offers customers a range of security features. It is equipped with chip-and-PIN technology, which helps to protect against fraud and unauthorized use. The card also has a fraud protection system, which helps to detect any suspicious activity.

The Bank of Baroda Easy Credit Card also provides customers with a range of convenience features. Customers can use the card to make purchases online, over the phone, or in-store. They can also use the card to access cash at ATMs and to make payments to merchants.

The Eligibility Criteria For BOB Easy Credit Card

To be eligible for this BOB Easy Credit Card, applicants must meet certain criteria –

Eligibility Criteria	Details
Age	Must be between 18 and 65 years old
Nationality	Indian citizens and Non-Resident Indians (NRIs) can apply
Income	Minimum monthly income of Rs. 15,000
Credit Score	Good credit score (700 or above) preferred
Employment	Salaried or self-employed with a steady source of income
Required Documents	ID proof, address proof, income proof, passport-sized photograph, and credit score report

In order to be approved for the BOB Easy Credit Card, applicants must also meet certain income requirements. Generally, applicants must have a minimum annual income of Rs. 1.8 lakhs. However, this amount may vary depending on the applicant’s credit score and other factors.

Moreover, the bank has set up a number of eligibility criteria. These criteria include a minimum age of 18 years, a valid Indian address, a good credit history, and a steady source of income. Additionally, applicants must provide proof of identity, address, and income.

How to Apply For BOB Easy Credit Card

Applying for the Bank of Baroda Easy Credit Card is easy and straightforward. All you need to do is fill out an online application form and submit it to the bank. Once your application is approved, you will receive your card in the mail.

1. You can click here to go BOB Credit Card Apply Page on Pricemint Website.
2. The first step in applying for a Bank of Baroda Easy Credit Card is to check your eligibility. You must be an Indian resident aged 18 years or above with a minimum annual income of Rs. 1.5 lakhs. You must also have a good credit score and a clean credit history.
3. Once you have checked your eligibility, you can choose the card that best suits your needs. Bank of Baroda offers a range of cards, from Easy Credit Cards to Gold Credit Cards. Each card has its own set of features and benefits, so make sure to choose the one that best suits your needs.
4. When applying for the Bank of Baroda Easy Credit Card, you will need to provide some basic information about yourself, such as your name, address, date of birth, and income. You will also need to provide information about your current employment status and any existing debts.
5. Once your application is approved, you will be able to start using your card right away. You can use it to make purchases, pay bills, and access cash advances. The card also offers a range of rewards and benefits, such as cashback, discounts, and travel rewards.

Alternatively, you can also apply for the BOB Easy Credit Card by visiting the nearest Bank of Baroda Bank branch or by calling the BOB bank’s customer care helpline.

The charges And Fees on The Card

There are certain fees and charges associated with the BOB Easy Credit Card that you should be aware of before applying.

Charges and Fees	Details
Annual Fee	2.5% of the over limit amount, subject to a minimum of Rs. 500
Finance Charges	2.99% per month (35.88% per annum)
Cash Advance Fee	2.5% of the cash withdrawal amount, subject to a minimum of Rs. 300
Late Payment Fee	Rs. 100-750, depending on the outstanding balance
Overlimit Fee	2.5% of the over-limit amount, subject to a minimum of Rs. 500
Card Replacement Fee	Rs. 200
Foreign Currency Transaction Fee	3.5% of the transaction amount
Returned Payment Fee	Rs. 350
Statement Retrieval Fee	Rs. 50 per statement
Balance Transfer Fee	1.5% of the transfer amount, subject to a minimum of Rs. 500

Conclusion

In conclusion, the Bank of Baroda Easy Credit Card is a great option for those looking for a convenient and secure way to manage their finances. With its competitive interest low annual fees, and wide range of rewards and benefits, this card is a great choice for those who want to make the most of their money. With its easy application process and helpful customer service, the Bank of Baroda Easy Credit Card is the perfect solution for those looking for a hassle-free credit card experience.

Frequently Asked Questions

Popular BOB Credit Cards

Credit Card	Key Benefits
Bank of Baroda Eterna Credit Card	– High rewards point earning potential – Access to airport lounges – Insurance coverage for travel, accident, and medical emergencies
Bank of Baroda Select Credit Card	– Rewards point on every purchase – Discounts on dining and fuel expenses – Insurance coverage for travel, accident, and medical emergencies
Bank of Baroda Yuva Credit Card	– Rewards point on every purchase – Discounts on dining and fuel expenses – Insurance coverage for accidental death and medical emergencies

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